``The idea that only bankers can understand how to regulate banking, and have some sort of an inherent need to do that, has been this fallacy that has resulted in the crises which we've seen. The reality is if someone goes into Washington and realizes they can come out of Washington [later], make millions of dollars by gaining a position at a bank like Robert Rubin did ... we've seen in many cases that enabling [the banks] is the chosen route ...''